Privacy Statement

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Protecting your privacy and the confidentiality of your personal information is of utmost importance to OMA Insurance Inc. (OMAI Inc.). You can be confident that we take the appropriate steps to ensure that your information is protected.

How We Collect Information

We will only collect information that is relevant and consistent to and consistent with the purposes of the collection. Whenever practical, we will collect the required information directly from you, or from your authorized representative(s), in completed applications and forms, through other means of correspondence, such as the telephone, mail, email or the Internet, and through your business dealings with us.

We Will Obtain Your Consent

We collect, use or disclose your personal information with your permission. Your permission may be expressed in writing or be implied and you may give it to us verbally, electronically or in writing. You may withdraw your permission to collect, use and disclose your personal information at any time subject to legal and contractual restrictions and by providing us with reasonable notice.

How We Use Personal Information

We may use your Personal Information to:

Verify your identity;

Understand your needs;

Determine your eligibility for products and services;

Provide you with the full range of products and services that we believe meet your changing needs;

Complete requested transactions;

Respond to any special needs or inquiries you may have;

Communicate with you in a timely and efficient manner;

Detect and prevent fraud

Comply with regulatory, statutory, contractual or other legal requirements.

Providing us with your personal information is always your choice. However, in dealings that involve insurance services, your decision to withhold particular details may limit or prevent us from providing the products or services you have requested. The withholding of information may also impact on how a claim is processed or how decisions are made by an insurer under the group policies. It may also make it more difficult for us to advise you or suggest appropriate alternatives.

Sharing Your Information

Under certain circumstances, your personal information may be shared with other organizations that service your account such as MD Financial, Sun Life Financial, New York Life Insurance and Canada Life Assurance. This disclosure may occur as necessary to process or service the requested or authorized transactions, such as to secure quotations for insurance, obtain insurance coverage, or report or process claims. In addition, we may disclose personal information as otherwise permitted or required by law. The OMA require similar protection of your personal information by all other organizations that service your account in a manner that is consistent with our privacy policies and security practices.

Disclosures To Other Third Parties

OMAI Inc. will not disclose personal information about you to other third parties that are, including your spouse, agents, brokers and financial advisors without current, written consent from you in a form acceptable to OMAI Inc.

Outside Service Suppliers

We may use service providers to perform specialized services on our behalf such as printing, research, marketing, mail distribution or data processing. Our service providers may at times be responsible for processing or handling personal information. They are provided only the information necessary to perform the services. In addition, we require them to protect the information in a manner that is consistent with our privacy policies and security practices.

How We Will Protect Your Personal Information

Access to your information is restricted to authorized employees who have a legitimate business purpose for accessing it. Unauthorized access to and/or disclosure of client information by an employee of the OMA is strictly prohibited. All employees are required to maintain the confidentiality of client information at all times. They know they are to use the information only for the purposes intended, and this expectation is clearly communicated. We've also established physical and systems safeguards, along with proper processes, to protect client information from unauthorized access or use.

We Will Limit How Long We Keep Information

We will keep your personal information as long as it is necessary, as required by law. When we destroy personal information, we will use safeguards to prevent unauthorized parties from gaining access to the information during the process.

Your Right To Access Your Personal Information

You have the right to ask whether we hold any personal information about you and to see that information, as provided by law. You also have the right to know how we collected your personal information, how we are using it, and to whom it may have been disclosed. If you believe any of the information we have collected about you is incorrect or incomplete, you have

the right to ask us to change it. If you show that your personal information is inaccurate or incomplete, we will make the necessary changes. If you feel we have not dealt with your request to your satisfaction, you can follow our complaint resolution procedures.

How To Register Complaints

You may register a privacy-related complaint by contacting the Privacy Officer of OMA Insurance Inc.. We will explain our complaint procedure to you and investigate all complaints. If a complaint is justified, we will take all appropriate steps to set the situation right, including changing our policies and practices if necessary. We will also let you know what other complaint procedures may be available to you.